GBCI Stock Analysis: Glacier Bancorp | NYSE

Commercial Banking, Consumer Lending, Deposit Accounts, Mortgage Origination

Total Rating 25

Safety 34

Buy Signal -0.69

Banks - Regional
Industry Rotation: +4.0

Market Cap: 5.63B
Avg Turnover: 44.1M

Risk 3d forecast

Volatility33.8%

VaR 5^th Pctl5.39%

VaR vs Median-3.16%

Reward TTM

Sharpe Ratio-0.26

Rel. Str. IBD20.5

Rel. Str. Peer Group4.8

Character TTM

Beta0.991

Beta Downside1.149

Hurst Exponent0.475

Drawdowns 3y

Max DD34.79%

CAGR/Max DD0.47

CAGR/Mean DD1.15

EPS (Earnings per Share)

EPS CAGR: 9.61%
EPS Trend: 58.2%

Last SUE: 0.00
Qual. Beats: 0

Revenue

Rev. CAGR: 13.29%
Rev. Trend: 98.4%

Last SUE: 0.31
Qual. Beats: 0

Warnings

Below Avwap Earnings

Below Sma 200d

Tailwinds

Shakeout

Seasonality 11.7 years of data

Jan -4.6% 33

Feb -0.2% 5

Mar -8.9% 59

Apr -1.8% 21

May -1.3% 8

Jun -0.5% 5

Jul +2.2% 21

Aug -0.3% 5

Sep -1.9% 26

Oct +1.0% 13

Nov +5.7% 39

Dec +2.1% 14

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: GBCI Glacier Bancorp

Glacier Bancorp, Inc. (NYSE: GBCI) is a bank holding company headquartered in Kalispell, Montana, that operates primarily through its subsidiary Glacier Bank. Founded in 1955 and publicly listed since 1992, the company provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities across the United States.

Its business spans retail banking, business banking, and mortgage origination and loan servicing. Deposit products include non-interest bearing accounts, NOW accounts, demand deposits, savings, money market accounts, fixed-rate and negotiated-rate jumbo CDs, and IRAs. Lending operations cover construction and permanent residential real estate loans, consumer land/lot loans, land development loans, commercial real estate loans, agricultural and consumer lending, home equity loans, and lending to states and political subdivisions. The company also offers residential builder guidance lines for pre-sold and spec-home construction and lot acquisition financing.

As a mid-cap regional bank in the Financials sector, Glacier Bancorp follows a community banking model focused on relationship-driven lending and deposit gathering in its local markets, a common approach among U.S. regional banks that emphasizes geographic concentration and diversified loan products to serve small businesses and consumers.

Headlines to Watch Out For

Net interest margin expands on higher asset yields
Commercial real estate loan portfolio faces credit risk
Acquisition strategy adds branches and deposits across Mountain West

Piotroski VR-10 (Strict) 3.0

Net Income: 311.7m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.05 > 1.0
NWC/Revenue: -1.72k% < 20% (prev -1.45k%; Δ -266.0% < -1%)
CFO/TA 0.01 > 3% & CFO 444.6m > Net Income 311.7m
Net Debt (1.92b) to EBITDA (457.5m): 4.20 < 3
Current Ratio: 0.02 > 1.5 & < 3
Outstanding Shares: last quarter (130.3m) vs 12m ago 14.80% < -2%
Gross Margin: 73.85% > 18% (prev 64.41%; Δ 9.43% > 0.5%)
Asset Turnover: 5.08% > 50% (prev 4.46%; Δ 0.62% > 0%)
Interest Coverage Ratio: 1.09 > 6 (EBIT TTM 421.9m / Interest Expense TTM 388.8m)

Altman Z'' -5.10

A: -0.84 (Total Current Assets 474.0m - Total Current Liabilities 26.9b) / Total Assets 31.6b
B: 0.04 (Retained Earnings 1.25b / Total Assets 31.6b)
C: 0.01 (EBIT TTM 421.9m / Avg Total Assets 30.3b)
D: 0.16 (Book Value of Equity 4.31b / Total Liabilities 27.3b)
Altman-Z'' = -5.10 = D

Beneish M -2.95

DSRI: 0.93 (Receivables 120.3m/108.3m, Revenue 1.54b/1.29b)
GMI: 0.87 (GM 64.41% / 73.85%)
AQI: 1.19 (AQ_t 0.97 / AQ_t-1 0.82)
SGI: 1.19 (Revenue 1.54b / 1.29b)
TATA: -0.00 (NI 311.7m - CFO 444.6m) / TA 31.6b)
Beneish M = -2.95 (Cap -4..+1) = A

What is the price of GBCI shares?

As of October 06, 2026, the stock is trading at USD 43.75 with a total of 1,204,687 shares traded. Over the past week, the price has changed by -0.70%, over one month by -5.36%, over three months by -16.20% and over the past year by -7.18%.

Current recommended Stop Loss: 42.60 (which is 2.6% or 1.3 ATR below the current price).

Is GBCI a buy, sell or hold?

Glacier Bancorp has received a consensus analysts rating of 3.83. Therefore, it is recommended to buy GBCI.

StrongBuy: 2
Buy: 1
Hold: 3
Sell: 0
StrongSell: 0

What are the forecasts/targets for the GBCI price?

Analysts Target Price	56.5	29.1%

Glacier Bancorp (GBCI) - Fundamental Data Overview as of 02 October 2026

Market Cap USD = 5.63b (5.63b USD * 1.0 USD.USD)
P/E Trailing = 17.9253
P/E Forward = 21.3675
P/S = 4.9817
P/B = 1.3332
P/EG = 1.7491
Revenue TTM = 1.54b USD
EBIT TTM = 421.9m USD
EBITDA TTM = 457.5m USD
Long Term Debt = 241.5m USD (from longTermDebt, last quarter)
Short Term Debt = 1.95b USD (from shortTermDebt, last quarter)
Debt = 2.28b USD (from shortLongTermDebtTotal, last quarter) + Leases 82.9m
Net Debt = 1.92b USD (calculated: Debt 2.28b - CCE 353.7m)
Enterprise Value = 7.55b USD (5.63b + Debt 2.28b - CCE 353.7m)
Interest Coverage Ratio = 1.09 (Ebit TTM 421.9m / Interest Expense TTM 388.8m)
EV/FCF = 19.04x (Enterprise Value 7.55b / FCF TTM 396.4m)
FCF Yield = 5.25% (FCF TTM 396.4m / Enterprise Value 7.55b)
FCF Margin = 25.76% (FCF TTM 396.4m / Revenue TTM 1.54b)
Net Margin = 20.25% (Net Income TTM 311.7m / Revenue TTM 1.54b)
Gross Margin = 73.85% ((Revenue TTM 1.54b - Cost of Revenue TTM 402.5m) / Revenue TTM)
Gross Margin QoQ = 75.69% (prev 75.08%)
Tobins Q-Ratio = 0.24 (Enterprise Value 7.55b / Total Assets 31.6b)
Interest Expense / Debt = 17.07% (Interest Expense 388.8m / Debt 2.28b)
Taxrate = 19.30% (74.5m / 386.2m)
NOPAT = 340.5m (EBIT 421.9m * (1 - 19.30%))
Current Ratio = 0.02 (Total Current Assets 474.0m / Total Current Liabilities 26.9b)
Debt / Equity = 0.53 (Debt 2.28b / totalStockholderEquity, last quarter 4.31b)
Debt / EBITDA = 4.20 (Net Debt 1.92b / EBITDA 457.5m)
Debt / FCF = 4.85 (Net Debt 1.92b / FCF TTM 396.4m)
Total Stockholder Equity = 4.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 311.7m / Total Assets 31.6b)
RoE = 7.61% (Net Income TTM 311.7m / Total Stockholder Equity 4.10b)
RoCE = 9.73% (EBIT 421.9m / Capital Employed (Equity 4.10b + L.T.Debt 241.5m))
RoIC = 1.08% (NOPAT 340.5m / Invested Capital 31.5b)
WACC = 10.71% (E(5.63b)/V(7.90b) * Re(9.47%) + D(2.28b)/V(7.90b) * Rd(17.07%) * (1-Tc(0.19)))
Discount Rate = 9.47% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 81.31 | Cagr: 6.74%
[DCF] Terminal Value 70.50% ; FCFF base≈377.2m ; Y1≈428.1m ; Y5≈614.3m
[DCF] Fair Price = 35.45 (EV 6.54b - Net Debt 1.92b = Equity 4.62b / Shares 130.2m; r=10.71% [WACC]; 5y FCF grow 13.84% → 2.50% )
EPS Correlation: 58.18 | EPS CAGR: 9.61% | SUE: 0.0 | # QB: 0
Revenue Correlation: 98.38 | Revenue CAGR: 13.29% | SUE: 0.31 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.80 | Chg30d=-0.62% | Revisions=-38% | Analysts=6
EPS current Year (2026-12-31): EPS=3.11 | Chg30d=-0.27% | Revisions=+0% | GrowthEPS=+39.0% | GrowthRev=+24.9%
EPS next Year (2027-12-31): EPS=3.59 | Chg30d=-0.42% | Revisions=-29% | GrowthEPS=+15.3% | GrowthRev=+8.3%
[Analyst] Revisions Ratio: -28% (up=5, down=10)